Princes Dianria Marizsa, 1011021133 (2015) ANALISIS PENGARUH INFLASI, SUKU BUNGA KREDIT, LOAN TO DEPOSIT RATIO (LDR), DAN KEBIJAKAN LOAN TO VALUE (LTV) TERHADAP PENYALURAN KREDIT PEMILIKAN RUMAH PROVINSI LAMPUNG PERIODE 2010:01-2014:09. FAKULTAS EKONOMI DAN BISNIS, UNIVERSITAS LAMPUNG.
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Abstract
ABSTRAK Kredit pemilikan rumah merupakan salah satu kredit portofolio bank yang mengalami peningkatan akhir-akhir ini. Peningkatan terus menerus dalam penyaluran kredit pemilikan rumah dikhawatirkan akan menyebabkan berbagai masalah seperti bubble property dan non-performing loan. Oleh karena itu , Bank indonesia mengeluarkan kebijakan LTV yang memberikan batasan mengenai down payment yang harus dimiliki konsumen untuk membeli rumah. Penelitian ini bertujuan untuk mengetahui pengaruh inflasi, suku bunga kredit, ldr, dan kebijakan LTV terhadap penyaluran KPR provinsi Lampung. Populasi yang digunakan dalam penelitian ini adalah seluruh bank konvensional di Lampung selama periode 57 bulan (pengamatan 2010:01 – 2014:09). Metode analisis yang digunakan adalah regresi Ordinary Least Square. Berdasarkan hasil pengujian dengan menggunakan OLS, dapat diketahui bahwa inflasi dan suku bunga berpengaruh negatif terhadap jumlah penyaluran KPR, dan LDR memiliki pengaruh positif signifikan. Sedangkan pada periode sebelum dan sesudah kebijakan LTV terdapat perbedaan yang signifikan, kebijakan LtV tidak berhasil menekan jumlah penyaluran di Provinsi Lampung. Hal ini dapat dilihat dari hasil uji parsial (t-test), penentu uji koefisien. Berdasarkan uji signifikasi simultan (f-test) semua variabel dalam model penelitian memiliki pengaruh signifikan terhadap penyaluran KPR Provinsi Lampung. Kata kunci : Mortgage loan, kovensional bank, Ordinary Least, Inflasi, Suku bunga kredit, LDR, Kebijakan LTV ABSTRACT Mortgage loans is one of the credit portofolio of banks that are experiencing increased latelty. Improved constantly in channeling hausing loan is feared will cause a varienty of problems like the bubble property and non-performing loans. Therefore, Indonesia bank issued a policy Loan to Value which concerning giving a down payment that must be owned by the consumer to buy a house. This research purpose to examine the effect of inflation, interest rates credit, loan to deposit ratio (LDR) and policy LTV for distributing mortgage LTV Provinsi Lampung. The population that was used in this research is all the konvensional bank in Provinsi Lampung during 57 month period (year observation from 2010 to 2014). The analysisi method used Ordinarry Least Square (OLS) regression. Based on the result of examination by using OLS, it can be known that inflation and interest rate have a negative effect to distributing of KPR, and the LDR have a significant positive effect. While at before and after period of policy LTV there are difference which is significant, policy LTV can’t be depress the amount of distributing in Lampung province. This matter can be seen from the result of parsial test (t-test), determinant test coefficient. Based on significant simultant test (t-test) all variable in this research have a significant effect to distributing KPR in Lampung Province. Keyword : Mortgage loan, conventional banks,Inflation, Interest rates credit, Loan to Deposit Ratio, Policy Loan to Value.
| Item Type: | Other |
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| Subjects: | H Ilmu Sosial = Social Sciences > HB Economic Theory |
| Divisions: | Fakultas Ekonomi dan Bisnis > Prodi Ekonomi Pembangunan |
| Depositing User: | 434687 . Digilib |
| Date Deposited: | 30 Jun 2015 07:34 |
| Last Modified: | 30 Jun 2015 07:34 |
| URI: | http://digilib.unila.ac.id/id/eprint/10622 |
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